In a way clothes are the same as hair, there is no exact way to draw it. Just takes a lot of practice.
First things first, apply gravity, the clothes will always be hanging downwards unless they’re in a vacuum, moving or there is wind.
If you want the clothes tight, they should hug the contours of the body. The clothes will stretch on the thicker parts and have less wrinkles, on the parts that taper down, the clothes will start to bunch up and cling.
Different fabrics will behave differently some are more stiff, some are softer, and some are elastic.
For loose clothes, try to pinpoint the part that stick out the most, the clothes will drape from there, e.g. top of the shoulders, chest, arms.
When adding layers of clothes keep in mind the thickness of each garment, since they will build up with each one added.
Some good ways to understand how fabrics behave is to draw clothes out of a magazine or draw your bed cover. Once you have a general understanding it’s easy to apply.